Not surprisingly, especially in the case of retail banks, not only is revenue climbing steeply but banks have also been watching their expenses and through the year made gains in efficiencies.

Not surprisingly - especially in the case of retail banks - not only is revenue climbing steeply, but banks have also been watching their expenses, and through the year made gains in improving efficiencies.

This indicates that the additional employees hired were required to cope with the growing volumes the banks have faced over the last two years.

like a ghost town. Nothing open, nobody around.

It looks like a traffic jam out in the parking lot.

It sets up sort of a three-company race toward who's going to control the environment where software plays out,